摘要
我国自1982年恢复国内人身保险业务以来,人身保险发展取得了令人瞩目的成绩。本文从需求和供给两个方面对影响人身保险保费的因素进行了总结,建立了多因素模型。运用单位根检验、主成分分析、自回归分布滞后模型等方法,对影响因素进行了实证分析,并对实证结果进行了解释。最后得出加强创新、促进竞争、加强诚信建设以及关注收入结构和家庭规模变化的影响等政策建议。
China＇s personal insurance industry has made remarkable achievements since the resumption of domestic personal insurance business in 1982. This article summarized the factors affecting the personal insurance premium from the demand and supply, and established a multi-factor model. The methods such as unit root test, principal component analysis and autoregressive distributed lag （ADL） model were used to study the factors affecting the per- sonal insurance premium in China, and the results of the empirical analysis were explained. Finally, we suggested the industry to strengthen innovation, promote competition, enhance honesty and integrity construction, and pay more attention to the influence of the changes of income structure and family scale, etc.
出处
《保险研究》
北大核心
2010年第9期28-34,共7页
Insurance Studies
关键词
单位根检验
主成分分析
自回归分布滞后模型
unit root test
principal component analysis
autoregressive distributed lag （ADL） model
